Bluestem Brands, Inc.

this company fingerhud has reported negative on my credit report I payed on time payments with them and never was late they told me they will report to my credit good but they reported negative do not sign up with this company

Initial Business Response /* (1000, 8, 2014/03/28) */
CONFIDENTIAL COMMUNICATION
March 24, 2014
Revdex.com of Minnesota
Attn: [redacted]
220 South River Ridge Circle
Burnsville, MN 55337
# [redacted]
Re: Mr. [redacted]
Case# [redacted]
Dear Ms....

[redacted],
I am writing in response to an inquiry received from your office on behalf of Mr. [redacted]
regarding his WebBank/Fingerhut Account.
We want to clarify that this is a revolving account and as such, there is a required minimum amount due each month.
Mr. [redacted]'s account had accrued several late fees. Late fees accrue when a payment is received past the scheduled due date or the amount received does not meet the required amount due.
As stated in the Terms and Conditions of Mr. [redacted]'s account under the "Reporting and Monitoring" section it states: " If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies. "
After careful review of Mr. [redacted]'s account, our records indicate we are reporting his account correctly to the credit bureaus and no deletion of our report will be granted. Please understand that if we were to delete the negative history, we would be knowingly reporting inaccurate information to credit reporting agencies, which is a violation of the Fair Credit Reporting Act.
Our records indicate that Mr. [redacted]'s WebBank/Fingerhut Credit Account was sold to CompuCredit/Jefferson Capital on December 10, 2010. Because the account is sold, Mr. [redacted] must work with them regarding the balance owed to them. He may contact CompuCredit/Jefferson Capital at [redacted].

Thank you for allowing us to explain.
Sincerely,
[redacted]
VF/rsh
Initial Consumer Rebuttal /* (3000, 10, 2014/04/01) */
(The consumer indicated he/she DID NOT accept the response from the business.)
They have reported the trade-line twice to my Equifax and Transunion credit report. It is a common abuse when Fingerhut has ignored the special rules designed to make certain that debts are tracked and identified as a single obligation
as they are transferred from holder to holder. So they are blatantly violating FCRA rules and reporting the same debt twice.
Every time they communicate with me they are very vague and confusing. In their response they talk about "Terms & Conditions", "Late Payment" however they do not have any paperwork to substantiate their claim if I ever even signed and/or agreed to their alleged "Terms & Conditions". Any communication that "can be reasonably read to have two or more different meanings, one of which is inaccurate" is deemed deceptive under FCRA.
Based on the facts and the inability of Fingerhut to provide credible and verifiable evidence, it leads consumers like me to believe that they are involved in a grand scheme of deceptive and fraudulent trade practices.
I will be reporting them to the Office of the Comptroller of Currency, Customer Service Group as well as to the Consumer Financial Protection Bureau. They will be investigated for their unscrupulous activities until and unless they delete this unsubstantiated trade line from my credit reports.

Initial Business Response /* (1000, 8, 2015/03/24) */
CONFIDENTIAL COMMUNICATION
March 19, 2015
Revdex.com of Minnesota # [redacted]
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted]- [redacted], [redacted]
Dear Ms....

[redacted],
I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
I want to clarify with Ms. [redacted] that this is a revolving account and as such, there is a required minimum amount due each month. A customer can pay more than the minimum amount due, but it will be applied to the month in which it was received.
Reviewing Ms. [redacted] statements we see that on August 8th, 2014 is when the first late fee had taken place on her account. The minimum due was $17.99. We did not receive a payment until August 28th, 2014.
Late payments have been continuous since August 2014 to February 2015.The last payment we had received was on February 20th, 2015. A payment was due on, January 20th, 2015 in the amount of $27.96.
Because the above payments were not received in full, Ms. [redacted]'s account became past due. This explains why she was receiving letters from our Payment Department. Ms. [redacted]'s account also accrued late fees. Late fees accrue when a payment is received past the scheduled due date or the payment received does not meet the required amount due.
When a payment is not received or is not the correct minimum amount due as indicated on the monthly billing statement, the minimum payment due the next month will be higher and will continue to be higher until the correct minimum amount due is received. Additionally, we may charge a late fee and interest charges will accrue on the balance owed.
Our customers are very important to us and we strive to assist and satisfy them. I trust with this explanation we have done so with Ms. [redacted]. Thank you for allowing us to explain
Sincerely,
[redacted]
Executive Care Team
VF/CC

Terrible customer service. Ordered 2 items and both were incorrect. Had to pay to return them since they wouldn't provide a return label since they were sent directly from supplier.

Initial Business Response /* (1000, 5, 2014/03/28) */
CONFIDENTIAL COMMUNICATION
March 24, 2014
Revdex.com of Minnesota
Attn: [redacted]
220 South River Ridge Circle
Burnsville, MN 55337
# [redacted]
Re: Ms. [redacted]
Case# [redacted]
Dear Ms....

[redacted],
I am writing in response to an inquiry received from your office on behalf of Ms. [redacted]
regarding her WebBank/Fingerhut Account.
On November 25, 2013 Ms. [redacted] placed an order on her WebBank/Fingerhut Account for the following items: Krazy Kar Ride-On, Lint Lizard Dryer Lint Vac Attachment, Art 101 Kids Trifold Art Set, Fisher-Price Imaginext Superman Play Set, Bratz Twisty Styles Styling Head and a NutriBullet Nutrient Extractor by Magic Bullet. The order was shipped in two packages from our warehouse by FedEx on November 27, 2013 and per the tracking information both orders show that they were delivered on December, 3 2013 at 11:55 am.
On December 19, 2013 Ms. [redacted] contacted us over the phone regarding the status of her order and was advised that the order had been delivered. We sent affidavits in the mail that she would need to complete and return to us so that we could investigate what happened to the merchandise. At this time, a new order was set up for some of the items she did not receive. These items were the Krazy Kar Ride-On, NutriBullet Nutrient Extractor by Magic Bullet, Imaginext Superman Play Set and the Lint Lizard Dryer Lint Vac Attachment. On January 15, 2014 Ms. [redacted] contacted us regarding the new order advising she had not received a portion of that order. Per the tracking information on the new order the items were shipped in three separate packages. The first package contained the NutriBullet Nutrient Extractor by Magic Bullet and the Lint Lizard Dryer Lint Vac Attachment. This package was shipped by FedEx and the tracking information shows that it was delivered December 27, 2013 at 8:48 am. The second package contained the Krazy Kar Ride-On and the tracking information provided by FedEx shows that it was in transit but had not been delivered. The third package contained the Fisher-Price Imaginext Superman Play Set. This package was shipped by USPS and the tracking information shows that it was delivered on December 31, 2013 at 9:53 pm. On February 14, 2014 we received correspondence from Ms. [redacted] with concerns about her orders and we contacted her over the phone. At that time, she indicated that she received only a portion of her new order and we issued credits to her account for the items missing from that order. These credit adjustments were reflected on her billing statement that was sent to her on February 24, 2014. At that time, she was also resent the affidavit for the first order and was advised to complete and return to us so that we could investigate what happened with her packages.
We have received the affidavit from Ms. [redacted] regarding the first order and reviewed the information we have regarding her orders. On March 25, 2014 credits have been issued to the account for the items that she reported that she did not receive. The only items Ms. [redacted] will be billed for at this time are for the NutriBullet Nutrient Extractor by Magic Bullet and the Krazy Kar Ride-On. [redacted] will see credit adjustments on her next billing cycle that prints on March 26, 2014 and on April 26, 2014.
Thank you for allowing us to explain.
Sincerely yours,
[redacted]
VF/rsh

Initial Business Response /* (1000, 8, 2014/07/08) */
CONFIDENTIAL COMMUNICATION
July 8, 2014
# [redacted]
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted]
Dear Ms. [redacted],
I...

am writing in response to the inquiry that we received from your office on behalf of [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Our records indicate that Mr. [redacted] was advised to return an Acer 22" LED Monitor in question in case [redacted]. Mr. [redacted] contacted Fingerhut directly to advise us that he disposed of the monitor but still wanted a refund. As a courtesy, Mr. [redacted] was issued a credit of $243.98 for the Acer 22" LED Monitor and a $50.00 goodwill credit for a RCA 1000 Watts DVD Theater w/iPhone iPad iPod Dock.
Further credits will not be issued to Mr. [redacted]s account.
Per Mr. [redacted]'s previous request, his account was closed on April 28, 2014. We have no record of an email being sent to Mr. [redacted] indicating he has zero balance. If Mr. [redacted] has a copy of this email he may mail it to our address below.
Mr. [redacted]'s monthly billing statement dated June 15, 2014, indicated a minimum monthly payment of $142.98 due by July 11, 2014 with $95.99 of this amount past due.
I would like to remind Mr. [redacted] that if a payment is not received by the due date, the minimum payment due the next month will be higher and will continue to be higher until the correct minimum amount due is received. Additionally, we may charge a late fee and we may lower or take away our customer's credit limit per our Terms and Conditions that were agreed upon when the WebBank/Fingerhut Advantage Credit Account was opened. If Mr. [redacted] fails to fulfill the terms of his credit obligation, a negative report reflecting on his credit records can be submitted to one or more credit reporting agencies. "
Mr. [redacted] will no longer be able to contact Fingerhut by telephone or email, going forward he will only be able to contact Fingerhut by writing to us at [redacted] St. Cloud, MN 56303.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/ca
Initial Consumer Rebuttal /* (3000, 10, 2014/07/09) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I realise this not the enforcment side here.you can not force business to do something.is there anyway you can foward this to the consumer protection agency.or the federal trade commision.im disabled and its mentally.im not handling the messs very good.I got this message on 6/16/2014.it was from fingerhut customer service.no name on it.but in it they said they were closing my account and my balence was zero.plus I was banned from the site.I can except these terms.but now they are back off them.I really dont know what can be done.I asked for reasonable computer repair cost and this is the answer I got.also im no longer able to access the site.so payment is not possible.and I have written them.I wrote and sent the letter attached to an email.now I want them to live up to their word.I was paying on the account.just not what them wanted.at this point im just asking to be left alone.and one more thing.the computer I bought off this site has had a number of issues.so I just want whats fair here.I will continue payments.if they help me one get back into my account.two I want 675.00 in computer repair costs.if they not willing to do as I ask.I will gladly take the hit on the credit.and just wait till this blows over.im not able to handle much more.

Initial Business Response /* (1000, 5, 2016/01/20) */
CONFIDENTIAL COMMUNICATION
January 20, 2016
Revdex.com of Minnesota # [redacted]
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted]
Dear...

Ms. [redacted],
I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Our records indicate on September 30, 2015 Ms. [redacted] purchased three Visual Land Prestige Elite 8" 16GB Android Tablets with Keyboard Cases. On January 3, 2016 Ms. [redacted] contacted Fingerhut stating her products are not working properly. While customer satisfaction if very important to us, we do require returns to be made in accordance with our Return Policy, which states:
"We will grant exchange or issue a credit for full cash price within 30 days of receipt. After 90 days, we will no longer grant an exchange or issue a refund. Shipping and handling charges are non refundable. Computers, camcorders, video games, and generators: Fingerhut offers returns and exchanges through the 30-day home trial period for the full cash price. After that time we can no longer grant exchanges or accept returns. Other product concerns must be handled under the manufacturers' warranty. Software and music CD's: May be returned for credit or refund only if in the original unopened packaging with the factory seal intact. Exchanges are permitted for the identical product only."
For all concerns with these products Ms. [redacted] will need to contact the manufacturer, Visual Land Inc., at [redacted].
We apologize for any inconvenience this may cause. Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/KS

I am rejecting this response because:
I did  not receive the product, I told there customer service rep I would pay because I felt I had no other choice and I thought it eventually was a mistake they corrected since I did not receive anything besides phone calls about how to pay my bill. I moved from [redacted] in June of 2014. I did not receive any product in that time. Also, there were teenagers living on the second floor of [redacted] and could of been stolen by one of them , so if your tracking is saying it was delivered but I never received anything I'm supposed to pay this debt because you have confirmation that you dropped the TV off on a porch without having any proper signature confirming the delivery? I must have had to sign something for the delivery guy and I never spoke to one so I don't know how thats confirmed. I then didnt receive any Phone calls from them when I moved and my number never changed, again I thought it was settled due to no contact with me and never receiving the product. I only just found out when the case got moved to get handle by another party and then received and phone call and then reached out to Revdex.com.

CONFIDENTIAL COMMUNICATION
 
New Roman"> October 5, 2016                                      ...⇄
 
Revdex.com of Minnesota                                   �...⇄                                     # [redacted]
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
 
Re: Case # [redacted] – [redacted], [redacted]
 
Dear Ms. [redacted],
 
I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
 
Ms. [redacted] states she purchased a desk from Fingerhut in August 2016. She states Fingerhut advertised this product as an “L shaped desk,” and nowhere does the advertisement state it is sold in separate parts. Ms. [redacted] contacted Fingerhut regarding this issue and was told the parts were sold separately and she would not be receiving the other pieces. Ms. [redacted] would like to receive the pieces she states were advertised.
 
Our records indicate Ms. [redacted] purchased a Coaster Skylar Computer Desk with Keyboard Drawer on August 22, 2016 on Fingerhut’s website.
 
Ms. [redacted] contacted Fingerhut on August 26, 2016 stating she did not receive the other parts of the merchandise. She was told her request would be referred and to contact Fingerhut to check the status of this request.
 
On September 14, 2016 we received an e-mail from the vendor confirming the cabinet and shelf were not included in the purchase price of the desk.
 
Although we make every effort to ensure accuracy of the information on our website, occasional descriptive or typographical errors may occur. We appreciate Ms. [redacted] bringing this matter to our attention. As a courtesy to Ms. [redacted] we will be sending her the additional pieces at no charge to her. This order was placed on October 5, 2016.
 
If Ms. [redacted] has any additional questions, she may contact Fingerhut Customer Service at ###-###-#### Monday-Friday 8:00AM-8:00PM Central Standard time.
 
Thank you for allowing us to explain.
 
Sincerely,
 
 
 
Vi [redacted]
Executive Care Team
 
VF/KS

Merchandise exchange not honored. Called 4 times and get the following: rep doesn't speak English, the computer system is being upgraded, told to call back tomorrow. Tried to obtain info on order via website, entered order number snd zip code as instructed and each time received a message that information was unavailable. Credit card charges and still don't have merchandise.

Initial Business Response /* (1000, 5, 2014/07/01) */
CONFIDENTIAL COMMUNICATION
July 1, 2014
# [redacted]
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted], [redacted]
Dear Ms. [redacted],
I am writing...

in response to the inquiry that we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Ms. [redacted] encountered a problem with an order she placed with one of our affiliated businesses called Teleflora. The flower arrangement she purchased from them was charged to her Fingerhut Account and added to the total account balance.
Ms. [redacted] did notify us that the intended recipient of the flowers did not receive them, and we advised that it was in her best interest to contact Teleflora. In the meantime, we also contacted Teleflora about Ms. [redacted]'s missing order claim. They reassured us that the shipment tracking information shows the flowers were delivered on May 7, 2014 and signed for by "M. [redacted]."
If this is not a valid recipient, Teleflora is offering Ms. [redacted] a refund or a replacement delivery of the original flower arrangement. We ask that she call us regarding her decision so that we, in turn, can notify Teleflora on her behalf. If choosing a replacement arrangement, we will need Ms. [redacted] to confirm the delivery name, address, phone number, and the date to send it.
As a reassurance, the account has been noted regarding this offer so that any representative will be prepared to assist Ms. [redacted]. Once we have her decision, we will facilitate the refund or replacement order with Teleflora.
We look forward to hearing from Ms. [redacted] soon, and appreciate her patience while we progress towards a favorable and satisfactory resolution for her.
Thank you for allowing us to explain.
Sincerely,
[redacted]
Executive Care Team
VF/ah

CONFIDENTIAL COMMUNICATION

April 13, 2016                                      ...⇄

Revdex.com of Minnesota                                   �...⇄                         # [redacted]
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337

Re: Case # [redacted] – [redacted]

Dear Ms. [redacted],

I am writing in response to the further inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.

As we have stated previously the laptop Ms. [redacted] returned to Fingerhut was credited on January 28, 2016 in the amount of $583.29.

Ms. [redacted] first payment was due on December 11, 2015. We did not receive this payment until December 14, 2015 therefore, Ms. [redacted]’s was charged a late fee in the amount of $27.00.

When Ms. [redacted] opened her Fingerhut Account she agreed to the terms and conditions of the credit account. Within these terms and conditions it states, “Late fees will be equal to your minimum payment due with a maximum amount of up to $27.00. The maximum amount will increase to $37.00 if you did not make your minimum payment on time in any one of the 6 prior billing cycles.”

As a reminder to Ms. [redacted], her Account is a revolving credit account. As such, it is subject to accrued interest charges whenever a balance is carried from one billing cycle to the next. The interest is calculated based on the account’s current Annual Percentage Rate of 25.15%.

Each month Ms. [redacted] had a balance on her account she would have been charges an interest charge and be responsible for these charges. On December 15, 2015 Ms. [redacted] was charged $11.56 in interest and $12.09 on January 15, 2016. 

Ms. [redacted] made a payment of $46.99 on December 14, 2015 and a payment of $45.00 on January 10, 2016. This totaled $91.99. The total Ms. [redacted] was responsible to pay on the account after credits for the laptop was issued was $50.65 (for the late fee and interest charges). This created a credit on her account for $41.34.

A refund check for $41.34 was mailed to Ms. [redacted] on March 8, 2016.

Sincerely,



Vi [redacted]
Executive Care Team

VF/KS

Initial Business Response /* (1000, 5, 2016/03/10) */
CONFIDENTIAL COMMUNICATION
March 10, 2016
Revdex.com of Minnesota # [redacted]
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted]
Dear...

Ms. [redacted],
I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Our records indicate Ms. [redacted] contacted Fingerhut on February 29, 2016 to place an order using a catalog that was mailed on January 19, 2016. As stated in the Blue Pages of the catalog under Prices "Prices and rates are good for 30 days from the mail date of a catalog".
We apologize but we are unable to honor the price of the crockpot that was offered in that catalog at this time. If Ms. [redacted] would like to place an order we advise her to call [redacted] or she may place her order online at www.Fingerhut.com
We apologize for any inconvenience this may have caused. Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/KS

CONFIDENTIAL COMMUNICATION

April 26, 2016

Revdex.com of Minnesota                                   �...⇄
Attn: [redacted]
220 S. River Ridge Circle
Burnsville, MN  55337

Re: [redacted]
Case #: [redacted]

Dear Ms. [redacted],

I am writing in response to a follow-up inquiry received from your office on behalf of Ms. [redacted] regarding her WebBank/Gettington credit account. We have included statements from November 19, 2014, December 19, 2014 and January 19, 2015.

Ms. [redacted] states in her response she made the agreed upon payments on time while she was enrolled in an approved Consumer Credit Counseling Service (CCCS) program and her account still reported negatively while in the program. Ms. [redacted] further states she contacted Gettington numerous times to have the accounts past due status removed. Ms. [redacted]’s desired resolution is to have the negative reporting removed.

As previously stated, our records indicate that on October 10, 2011, an application for credit was processed online using Ms. [redacted]’s name, address and social security number. An order was placed the same day with a representative for an Acer Iconia 10" 16GB Android Honeycomb 3.0 Tablet. The merchandise was shipped October 11, 2011 via FedEx to the same address as provided on the application. The last order, totaling $60.46, was placed on February 17, 2013.

We have received multiple payments on this account from a checking account ending in 5824
in the name of [redacted]. The last payment received on November 4, 2014 for $93.64
brought the account to a current status. The statement dated November 19, 2014, showed a
balance of $807.83, with a minimum payment of $82.00 due by December 15, 2014. No further
payments were received towards the account.

Our research indicates that Ms. [redacted] was set up on an approved CCCS program, for sixty months at $41.00 per month through American Consumer Credit, on May 19, 2013. Ms. [redacted] was dropped from the CCCS program on January 23, 2015 for non-payment.

The unpaid balance of $855.44 charged off on April 16, 2015 and the account was sold to Jefferson Capital on April 30, 2015.

Customers use CCCS arrangements to work with creditors to repay their debts. Some of the benefits customers enjoy through CCCS arrangements include lower interest rates, waiver of late fees and lower monthly payments. While in the CCCS program accounts will report to the credit bureau as “paying under partial payment agreement”. 

Please note, while customers are enrolled in a CCCS plan, their accounts remain in a “past due” status. Accounts may not show a current status unless the payments made are sufficient to “re-age” the account.  Further questions regarding “on time” payments need to be directed to the CCCS Company.

Our records reflect the only contact with Ms. [redacted], while she was enrolled in the CCCS plan, was an email received on January 20, 2014 which was a request for a due date change. Our investigation did not reveal any further contact with Ms. [redacted] until the receipt of the correspondence from the Revdex.com.

An account review completed on April 6, 2016 confirms the credit bureaus are accurately reporting the account as Transfer/Sold or Purchased by Another Lender with a balance of zero.

We cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reporting. Please reference the Reporting and Monitoring section of our terms and conditions that was included in Ms. [redacted]’s Welcome Packet. It states:

“If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies.”

Conversely, accounts that are in good standing will be reported as well.

If Ms. [redacted] has questions about what Jefferson Capital Services may be reporting, she may contact them directly at ###-###-####.

Thank you for the opportunity to explain.

Sincerely,




Kari [redacted]
Executive Care Team
KD/sa

Enclosures

Initial Business Response /* (1000, 5, 2015/12/17) */
December 17, 2015
Revdex.com of Minnesota
Attn: [redacted]
220 S. River Ridge Circle
Burnsville, MN 55337
Re: [redacted]
Case #: [redacted]
Dear Ms. [redacted],
I...

am writing in response to an inquiry received from your office on behalf of Mr. [redacted] regarding his WebBank/Fingerhut Credit Account.
Mr. [redacted] states that Fingerhut is reporting a thirty day late on his credit report, which resulted from an unauthorized order placed on his account. Mr. [redacted] is requesting that the delinquent remark for August 2013 be removed and his account closed.
According to our records, an order was placed on Mr. [redacted]'s WebBank/Fingerhut credit account on April 24, 2013 and shipped to an address in Alabama.
Fingerhut attempted to make contact with Mr. [redacted] when the account became delinquent, but were unable to reach him. Fingerhut also sent monthly statements beginning in May 2013 to Mr. [redacted]'s address in Bakersfield California. A dispute from Trans Union was received in July 2013, to which Fingerhut replied with a letter and itemized statement.
Mr. [redacted] contacted Fingerhut by phone in August 2013 stating there was an unauthorized order on his account. After receiving a police report and signed unauthorized merchandise affidavit, Mr. [redacted]'s account received full credit for the merchandise.
Per Mr. [redacted]'s request, his account was closed on December 10, 2015.
A dispute received from Trans Union was updated to "Closed at Customer's Request" and the thirty day delinquency reporting for August 2013 was removed. (Control # [redacted])
According to an account review on December 14, 2015, Equifax, Trans Union and Experian are reporting Mr. [redacted]'s account as "Closed at Customer's Request" and the delinquency reporting for August 2013 has been updated to current.
Thank you for allowing us to assist and explain.
Sincerely,
Kari [redacted]
Executive Care Team
KD/lg
Initial Consumer Rebuttal /* (2000, 7, 2015/12/21) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Matter has been resolved. Thank you

Initial Business Response /* (1000, 10, 2015/06/17) */
CONFIDENTIAL COMMUNICATION
June 17, 2015
# [redacted]
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted], [redacted]
Dear Ms. [redacted],
I am...

writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
It is in regards to her purchase of a SwimWays Extra Large Spring Float Recline from June 20, 2014 and an Intex Twin Pillow-Rest Airbed from August 14, 2014. We regret to learn of the problems that have arisen with the items, as outlined in the inquiry.
As a reminder to Ms. [redacted], our Return Policy states, in part, "You can return your purchase within 30 days of receipt, as long as it's in new condition. Returns will not be accepted for credit or exchange after 90 days." This policy appears under the "customer service" section on our website, in the catalog's "terms of sale" section, and on the customer's packing slip enclosed with their shipment.
We did not find evidence that Ms. [redacted] ever contacted our Customer Service Department about these items prior to April 29, 2015. Consequently, neither item can be returned for credit or exchange as the 90-day maximum deadline has passed. The phone agent advised Ms. [redacted] that her best recourse was with the vendor/manufacturer, and sent proof of purchase for each item that is sometimes required when filing a warranty claim.
While we sympathize with Ms. [redacted]'s situation, it does not deviate from the fact that she received merchandise and is responsible for any balance still owing on it.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/ah

Initial Business Response /* (1000, 5, 2015/01/14) */
CONFIDENTIAL COMMUNICATION
January 14, 2015
Revdex.com of Minnesota #[redacted]
Attn: [redacted]
220 S. River Ridge Circle
Burnsville, MN 55337
Re:...

[redacted]
Case #: [redacted]
Dear Ms. [redacted],
We are writing in response to an inquiry received from your office on behalf of [redacted] regarding a WebBank/Fingerhut Credit Account.
[redacted] states that we are reporting the account 30 days delinquent in October 2012 and May 2014 and that statements were not sent on a regular basis during that time. The desired resolution would be to remove the negative reporting from [redacted]'s credit report.
According to our records, we received a $15.98 payment on June 25, 2012. We did not receive another payment until October 26, 2012. On October 17, 2012, we reported [redacted]'s account 30 days delinquent. On April 17, 2014 we received a $16.99 payment. We did not receive another payment until June 13, 2014. On May 21, 2014, Transunion was updated via a credit bureau dispute to show 30 days delinquent.
Please note that when a payment is not received by the due date, the minimum monthly payment amount due the next month will be higher and will continue to be higher until the correct minimum amount due is received. Additionally, we may charge a late fee and interest charges will accrue on the balance owed. Our Payment Department may phone our customers with payment reminders when a payment is not received by the due date.
Our records indicate monthly statements were sent to the correct address listed on the account.
For consistency in reporting, we have submitted an electronic update (Ref: [redacted]) to Transunion to remove the May 2014 thirty-day delinquency. Please allow up to thirty days for [redacted]'s credit report to be updated.
We cannot revise any additional information we are reporting to the credit bureaus on October 17, 2012 as we are required by law to furnish accurate reporting. Please reference the Reporting and Monitoring section of our terms and conditions that was included in [redacted]'s Welcome Packet. It states:
"If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies."
Conversely, accounts that are in good standing will be reported as well.
If [redacted] has further questions or concerns, [redacted] may contact our Credit Bureau Reporting at [redacted]. Their hours are Monday - Thursday 7:00am - 6:00pm and Friday 7:00am - 4:30pm Central Standard Time.
Sincerely,
[redacted]
Executive Care Team
VF/sjj

Initial Business Response /* (1000, 5, 2014/02/13) */
[redacted] St. Cloud, MN 56303
www.fingerhut.com
CONFIDENTIAL COMMUNICATION
February 12, 2014
#[redacted]
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re:...

Case # [redacted] - [redacted]
Dear Ms. [redacted],
I am writing in response to an inquiry we received from your office regarding [redacted].
Our records indicate that an order was placed via our website on November 2, 2013 for the Citizen Men's Blue Angels Chronograph Watch and the Men's Chrome 1.7 oz EDT Spray by Loris Azzaro. Our Federal Express Tracking results indicate that the watch was delivered on November 6, 2013 and the men's spray was delivered via United States Postal Service on November 13, 2013.
Our records also indicate that Mr. [redacted] contacted us on November 7, 2013 indicating that he had not received the watch. A Merchandise Not Received Affidavit was mailed to him. His WebBank/Fingerhut Credit Account is also notated that a Police Report is required.
When a customer states that they did not receive an order that our tracking results indicate as delivered, we must consider this as theft and a Police Report is required. We do not have record of receiving the completed affidavit or the Police Report.
Mr. [redacted] may fax the affidavit and Police Report to[redacted], Attn: [redacted] or mail it to [redacted] St Cloud, MN 56303 so that we may further investigate this matter.
I sincerely apologize for any inconvenience this may have caused.
Thank you for this opportunity to explain.
Sincerely,
[redacted]
Executive Care Team
VF/tas
Final Consumer Response /* (3000, 7, 2014/02/13) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Wow! I spend more of three months looking for somebody , who was available to hear my case ... as you are aware via fingerthut website I had notified you about that I opened a complaint to Fedex because it was negligence on their part too , when I found out that this product had been "deliverado" by fedex and noticed it was not on my hand, I immediately communicate with you and me simultaneously communicate with FedEx, because as you can imagine that a product really costs has been left in the door of an apartment building of 15 units -
1:28 pm
Delivered
Panorama City, CA
Left at front door. Signature Service not requested.
8:03 am
On FedEx vehicle for delivery
SUN VALLEY, CA
5:18 am
At local FedEx facility
SUN VALLEY, CA
4:01 am
Departed FedEx location
PACOIMA, CA
2:25 am
Arrived at FedEx location
PACOIMA, CA
12:50 am
Left FedEx origin facility
CARSON, CA
- 11/05/2013 - Tuesday
11:16 pm
Arrived at FedEx location
CARSON, CA
1:35 pm
Shipment information sent to FedEx
12:00 am
Picked up
Because was a problem in delivery, Federal opened the case number [redacted] for this product, after 5-7 days of investigation by the Fedex , they are assumed and determined that was their fault of FE, simultaneously another package that I bought the same date it was lost by the delivery driver leave it in the wrong place I opened another case for that package four days later appeared and this case was closed , a researcher named [redacted] left me a message in relation to my case ([redacted]), I have voice mail recorder from him from phone number (818) [redacted] and told me that the carrier (Fedex) would assume the cost of the lost item .. but he told me I was the sender that I had to contact them ( Fedex ) to start the process of repayment of that product ... today I call Fedex in relation to the case and they have told me that no one has contacted , the reason why I 'm unhappy is because Customer services from this company is negligent ant they liar tha last thing that I hear from them over the phone is that [redacted] will take of my case and that Him will call me in two hour , I have 48 hours awaiting for this phone call, I thing you can see on my acct this note if you had access and you can see how many time I call you just to let you know that you need to contact to Fedex, to Fingerhut I sent three times Affidavit Documents I sent another copy one more time follow the track number [redacted], my recommendation for you is better training for people from costumer services...
Final Business Response /* (4000, 10, 2014/02/21) */
[redacted] St. Cloud, MN 56303
www.fingerhut.com
CONFIDENTIAL COMMUNICATION
February 12, 2014
#[redacted]
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted]
Dear Ms. [redacted],
I am writing in response to an inquiry we received from your office regarding [redacted].
Our records indicate that an order was placed via our website on November 2, 2013 for the Citizen Men's Blue Angels Chronograph Watch and the Men's Chrome 1.7 oz EDT Spray by Loris Azzaro. Our Federal Express Tracking results indicate that the watch was delivered on November 6, 2013 and the men's spray was delivered via United States Postal Service on November 13, 2013.
Our records also indicate that Mr. [redacted] contacted us on November 7, 2013 indicating that he had not received the watch. A Merchandise Not Received Affidavit was mailed to him. His WebBank/Fingerhut Credit Account is also notated that a Police Report is required.
When a customer states that they did not receive an order that our tracking results indicate as delivered, we must consider this as theft and a Police Report is required. We do not have record of receiving the completed affidavit or the Police Report.
Mr. [redacted] may fax the affidavit and Police Report to[redacted], Attn: [redacted] or mail it to [redacted] St Cloud, MN 56303 so that we may further investigate this matter.
I sincerely apologize for any inconvenience this may have caused.
Thank you for this opportunity to explain.
Sincerely,
[redacted]
Executive Care Team
VF/tas

Initial Business Response /* (1000, 8, 2014/07/16) */
We have corrected the billing on consumers account and adjusted her paycheck deduction accordingly. We have fulfilled our obligations to the consumer.

Initial Business Response /* (1000, 10, 2015/07/27) */
CONFIDENTIAL COMMUNICATION
July 24, 2015
# [redacted]
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted]- [redacted], [redacted]
Dear Ms. [redacted],
I am...

writing in response to the inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Flex Credit Account.
Our investigation confirms that Mr. [redacted] applied for a Fingerhut Flex account as financing for SG057 Samsung 40" 720p LED TV on June 9th. We processed that order on the 9th , processing the first payment as outlined in the terms and conditions and agreed to by the customer. We received and email from the customer requesting that we cancel the order as he stated that he was not aware that he was actually purchasing the TV, but instead just applying for the account. On June 10th, the order was cancelled prior to any payment transaction. On June 16th we received a second order from Mr. [redacted], this time for an RCA 50" 1080p LED TV via the Fingerhut Flex website. The order was processed on June 18th, according to procedures and the next steps communicated to the customer via the website at the time of order.
Electronic Payment Authorization
As a convenient method to make your down payment to Fingerhut ("Fingerhut"), and your Installment Loan Agreement payments due to WebBank ("WebBank"), under the Fingerhut FLEX Contract ("Contract"), you hereby authorize and direct Fingerhut and WebBank, respectively, to automatically withdraw funds from the bank ("Bank") account that you provided at the time that you entered into the Contract, in the amounts and according to such schedule necessary to remit the "Payment Amounts" described below to satisfy your payment obligations as they become due under the Contract. You authorize Bank to pay the Payment Amounts to Fingerhut and WebBank as specified in the Contract. This payment instruction will remain in effect, and electronic payments will continue, until the earlier of (a) when all amounts due under the Contract have been paid, or (b) if you revoke this authorization for electronic payment, then the date such revocation becomes effective.
You understand that if you revoke you authorization for automatic payments from your account, it may take several days for Fingerhut, WebBank and Bank to implement the change, and that authorized withdrawals from the Bank may occur prior to cancellation of the automatic bank deduction payment service. You also understand that if you revoke your authorization for automatic payments but fail to make payments through another method approved under the Contract, you could default in your Contract payment obligations. To opt out, call us at 1(844)656-4394 or write to Fingerhut FLEX, 6250 Ridgewood Rd, St. Cloud, MN 56303. The "Payment Amount" will be $ per payment date. However, the final scheduled payment amount may be reduced to the amount required to pay your Contract in full. If there is any change in a payment amount, we will notify you at least 10 days prior to the payment date.
All payments amounts that you make shall be applied by Fingerhut and WEBBANK first to earliest amounts due (or past due), unless otherwise required by applicable law.
By clicking "Yes, I agree to these conditions" you are signing this Electronic Payment Authorization with your digital signature. This has the same force and effect as if you signed your name manually on a paper copy of this document. You acknowledge that you have received a completed copy of this Electronic Payment Authorization and agree to all of its terms.
The first payment of $54.17 was processed on the 18th per the payment plan agreed to by the customer. On the 22nd of June, Mr. [redacted] sent an email to the Fingerhut Flex Contact Center stating the "he did not authorize any transactions I told you to cancel this order completely we were just interested in seeing what the payment would be I am pursing this with Revdex.com as well as with credit union fraud." This email was sent as a reply from the cancel request dated June 9th (the 1st order). The Fingerhut Flex Customer Solutions Agent apologized and explained that we never received a cancel request for the second order, placed on June 16th, only for the order placed on June 9th. The Agent agreed to process the cancellation and to refund the initial payment made on the account. The Agent advised the customer that there is a 10-day hold on ACH returns due to clearing times with the banks and that the refund would appear in his account within a couple days after the refund is processed.
After the 10-day hold, the refund was processed on June 29th.

Attached, please find the email communication welcoming the customer the program, the email confirming the payment schedule, the email confirming the account closure per Mr. [redacted]'s request and the email confirming the refund had been processed.
Mr. [redacted]'s money has been refunded and both of his accounts have been closed as per his requests. We apologize for any inconvenience, but appreciate his understanding our position in this matter.
Thank you for allowing us to explain.
Sincerely,
Fingerhut Flex Customer Service